Hybrid-custody Visa/Mastercard debit card for spending crypto, including memecoins, on multiple chains.
Kolo Card is a crypto debit card that lets users spend cryptocurrencies, including memecoins, at merchants worldwide that accept Visa or Mastercard. It features automatic real-time crypto-to-fiat conversion for everyday purchases.
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Global users wanting to spend crypto with Apple/Google Pay and earn 2% BTC cashback.
You require fixed spending limits or live in the United States.
The Kolo Card bridges the gap between digital assets and everyday spending, allowing users to spend cryptocurrencies directly at merchants accepting Visa/Mastercard worldwide. The platform combines a crypto wallet with a global payment card, creating an all-in-one solution for spending crypto in daily life with real-time conversion at the point of sale. It is available as a virtual or physical prepaid debit card on the Visa or Mastercard network, supporting Apple Pay and Google Pay. It is available in over 170 countries, excluding the United States.
Fee Type: Card Issuance, Details: 10 USDC (typically loaded as spendable balance) Fee Type: Monthly Fee, Details: $0 (no recurring fee currently) Fee Type: Inactivity Fee, Details: $0 (no inactivity fee currently) Fee Type: Crypto-to-Fiat Conversion, Details: 0% mark-up on USDT, USDC, EURC; up to ~1% on other crypto (effective cost ~0.3%) Fee Type: Foreign Exchange (non-USD), Details: Standard network FX rates Fee Type: Cross-Border Fee, Details: 0% Fee Type: Top-Up/Deposit, Details: 0% mark-ups on USDT, USDC, EURC Fee Type: ATM Withdrawal, Details: Standard network/ATM fees (no extra Kolo markup)
• Spend cryptocurrencies (including memecoins) directly at Visa/Mastercard merchants worldwide • Available in 189 countries • Support for BTC, ETH, USDC, USDT, PEPE and more • Supports Ethereum, Polygon, Optimism, and Arbitrum networks • Seamless integration with Apple Pay and Google Pay • Real-time crypto-to-fiat conversion at point of sale • 'Memepay' feature allows direct spending of memecoins like PEPE • Virtual and physical cards available
The Kolo Card offers Bitcoin cashback on eligible card spending. Standard users receive 2% BTC cashback on eligible card spending. New users receive a 5% BTC cashback welcome bonus for a limited time. The 5% rate is a temporary higher cashback rate for new users, not the long-term standard. Kolo reserves the right to modify, suspend, or discontinue the cashback program at any time. Cashback rewards are typically issued in Bitcoin.
| Tier | Rate | Up to |
|---|---|---|
| default | 2% | — |
Available in 190 countries. Restricted in 6 countries. Over 170 countries worldwide including Europe, Asia, Africa, Latin America, Oceania, and Middle East. Excludes sanctioned jurisdictions. Key regions missing: United States.
Real-time (funds deducted from Kolo crypto wallet at each purchase)
Risk note. If the provider disappears, only assets in external wallets remain accessible; assets in Kolo accounts may be lost.
Cash advances and balance transfers are not available
Send to Revolut, Wise, N26, or any SEPA bank from crypto
User feedback has generally been positive regarding ease of use, transparent fee structure, and competitive exchange rates
Global users seeking a simple, KYC'd, Apple/Google Pay-ready way to spend crypto worldwide; mobile-first users who value tap-to-pay convenience and real-time conversion; regular spenders who want to earn BTC cashback on everyday purchases
The Kolo Card represents a comprehensive crypto-to-fiat solution that successfully bridges the crypto world with everyday spending convenience. While Kolo operates under a testing regulatory regime and has some restrictions, it now combines a global crypto card with ongoing BTC cashback (2% standard, 5% welcome bonus for new users, as of Dec 2025) , making it a compelling solution for eligible users who want simple, tap-to-pay convenience for spending crypto globally.
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